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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,842 | $54,726-16.2% | $68,793-33.4% | $64,181-28.6% |
| Participation rate | 67.5% | 68.0%-0.5pp | 72.2%-4.7pp | 69.6%-2.1pp |
| Annual return | -8.61% | -1.62%-7.0pp | -4.63%-4.0pp | 7.63%-16.2pp |
| Employer contribution / active EE | $1,983 | $1,846+7.4% | $2,625-24.5% | $2,381-16.7% |
| Participant deferral / active EE | $3,562 | $2,626+35.6% | $3,311+7.6% | $3,470+2.7% |
| Admin fee / account holder | $451 | $4,027-88.8% | $5,131-91.2% | $4,887-90.8% |